Shit like this is the cornerstone of modern liberal policymaking. I already knew that rich people can get higher tax brakes with these - poor people who pay little in taxes can get literally a 0% tax break in some cases. But apparently, you just LOSE all of the money every 12-14 months (depending on the plan) and it is gone forever? You can literally LOSE money (in total) with a stupid savings account. Insane! And yea, it can be technically "your fault" for forgetting to file claims, but if you didn't have any healthcare costs in that year... you can't file any claims and you just lose all of the money. You are literally gambling.